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Individual & Family
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Marketplace by state
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Miss open enrollment? You’ve got options.
Outside of ACA's open enrollment period, you can only sign up for ACA-compliant health coverage if you qualify for a special enrollment period. But you may have other coverage options.
Calculators
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Do I have to repay excess premium tax credits?
If you received advance premium tax credits (APTC) for health insurance you purchased last year, and your income ended up increasing, you might have to pay back some of your APTC. Learn how to determine whether you will have to repay excess APTC when you file taxes.
The ACA
In-depth guides
Health reform & FAQs
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Qualifying life events that trigger an ACA special enrollment period
Learn what a qualifying life event is and which life changes (like marriage, job loss, birth, or moving) trigger a special enrollment period to get an ACA-qualified plan outside open enrollment.
Metal level details in your state
Affordable Care Act plan costs and subsidy savings vary by metal level. Select your state to see average premiums and subsidy savings for each metal level – and see the percentage of your state’s enrollees who bought plans at each metal level.
Marketplace plan cost comparison (by metal level*)
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*Values displayed by this tool are from data generated by CMS and reflect 2025 Marketplace health plans purchased in each state. The values returned are averages based on the plans purchased by consumers of each selected state: subsidy and premium values vary based on factors such as zip code, age, household size, and income.
*Values displayed by this tool are from data generated by CMS and reflect 2025 Marketplace health plans purchased in each state. The values returned are averages based on the plans purchased by consumers of each selected state: subsidy and premium values vary based on factors such as zip code, age, household size, and income.